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The Single Mom's Personal Finance BlogFri, 27 Mar 2015 15:46:44 +0000en-UShourly1Encouraging, Inspiring, and Empowering single moms to create the life they love through commentary, expert interviews, and Q&A.Rich Single MommanoRich Single Mommasamantha@liberatedladymedia.comsamantha@liberatedladymedia.com (Rich Single Momma)Talking Personal Finance, Parenting, and Personal DevelopmentRich Single Mommahttp://richsinglemomma.com/weblog/wp-content/uploads/2013/12/RSMiTunesIcon.jpghttp://richsinglemomma.com/weblog
richsinglemommafeedhttps://feedburner.google.comVlog: Rich Single Momma Says… How to Stop Worrying About Moneyhttp://feedproxy.google.com/~r/richsinglemommafeed/~3/bh3HtZMMEqw/how-to-stop-worrying-about-money
http://richsinglemomma.com/weblog/how-to-stop-worrying-about-money#commentsFri, 27 Mar 2015 15:34:33 +0000http://richsinglemomma.com/weblog/?p=21288This entry is part 3 of 3 in the series Rich Single Momma SaysIn the first video blog of Rich Single Momma Says you will learn how to stop worrying about money. The reality is worry and whining is a waste of precious time and energy. If you are chronic worrier or whiner, you are [...]

In the first video blog of Rich Single Momma Says you will learn how to stop worrying about money. The reality is worry and whining is a waste of precious time and energy.

If you are chronic worrier or whiner, you are probably caught up in a hard to break habit. That doesn’t mean you can’t break the habit but you must learn to get through it.

I worried about money all the time. It was on my brain 24/7 especially being a single mom. But I learned that money is energy and loves being around people who are on the same wave length as it were. If you want to attract more money you have to get on the same brain wave pattern as it is on.

Watch the video for more…

Are you tired of worrying about money and want to adopt a positive money mindset? Ready to release the financial stress in your life? I’d love to help you come up with solutions that are specifically for you. Click the link to get a free 15 minute Massive Money Mindset action session with me. I will give you actionable ideas to go from money worry to money motivation.

]]>http://richsinglemomma.com/weblog/how-to-stop-worrying-about-money/feed0http://richsinglemomma.com/weblog/how-to-stop-worrying-about-moneyHow to maximize your tax refund and cut monthly expenseshttp://feedproxy.google.com/~r/richsinglemommafeed/~3/Um7FQkxj5BA/how-to-maximize-your-tax-refund-and-cut-monthly-expenses
http://richsinglemomma.com/weblog/how-to-maximize-your-tax-refund-and-cut-monthly-expenses#commentsThu, 19 Mar 2015 09:31:54 +0000http://richsinglemomma.com/weblog/?p=21284(BPT) – Tax season is in full swing and everyone is hoping for a refund from Uncle Sam. What will you do with yours? Whether it’s several hundred or several thousand, if you use your refund smartly, it can provide the jumpstart to boosting your budget and living financially well this year and beyond. Americans [...]

]]>(BPT) – Tax season is in full swing and everyone is hoping for a refund from Uncle Sam. What will you do with yours? Whether it’s several hundred or several thousand, if you use your refund smartly, it can provide the jumpstart to boosting your budget and living financially well this year and beyond.

Americans expect to cash in during tax season, as nearly three-quarters of all taxpayers anticipate they’ll receive a return of $500 or more this year, according to a national survey conducted by Straight Talk Wireless. Furthermore, nearly 80 percent of Americans consider tax season as a time to think about ways to save money.

This year, maximize your refund with these five simple tips for getting your money fast, putting it to work for you and slashing monthly costs:

1. Get your refund ASAP
Want your refund as fast as possible? Skip the snail mail paper check and choose direct deposit into your checking or savings account instead. The IRS states direct deposit is the fastest, safest way to receive your tax refund, and better yet, people who combine e-file and direct deposit can get their refunds in as few as 10 days.

2. Start an emergency fund
If you don’t already have money designated for a rainy day, your tax refund can be a great way to give your savings a boost. Resist temptation to spend every penny and give yourself peace of mind by setting money aside for the unexpected. It’s a much smarter alternative than turning to high-interest credit cards in a pinch, plus you’ll earn interest while your money sits safe and secure in an account.

3. Cut your cellphone plan in half
A cellphone bill can be one of your largest recurring monthly expenses. Tax season is the ideal time to shop around to find an affordable plan that meets your needs. For example, Straight Talk Wireless offers the same phones on America’s most reliable network, but at a fraction of the cost. For just $45 a month, you can get a no-contract unlimited talk, text and data plan with the first 3GB of data at high speed. Visit www.straighttalk.com to learn more.

4. Lower your utility bill
Consider using part of your refund to invest in items to lower your utility bill and enjoy savings all year long. One of the best options is a programmable thermostat – an affordable upgrade that lets you adjust the temperature when you’re not home. By turning your thermostat back 10 to 15 degrees for 8 hours while away, you can save up to 15 percent a year on your heating bill, states the U.S. Department of Energy.

5. Shop smart at the grocery store
Grocery bills hurting your budget? Adopt a new approach starting now. First, never underestimate the impact of shopping sales and using coupons. Next, always make a list and stick to it – it cuts impulse shopping (and your bill) dramatically. Finally, consider the benefits of buying in bulk and stock up on affordable alternatives to your favorite foods, such as frozen vegetables, canned fruits and generic cereals.

]]>http://richsinglemomma.com/weblog/how-to-maximize-your-tax-refund-and-cut-monthly-expenses/feed0http://richsinglemomma.com/weblog/how-to-maximize-your-tax-refund-and-cut-monthly-expenses[Affordable Cars for Single Moms] Mitsubishi Miragehttp://feedproxy.google.com/~r/richsinglemommafeed/~3/g15TiVOpLso/affordable-cars-for-single-moms-mitsubishi-mirage
http://richsinglemomma.com/weblog/affordable-cars-for-single-moms-mitsubishi-mirage#commentsWed, 18 Mar 2015 18:51:41 +0000http://richsinglemomma.com/weblog/?p=21268Driving the Mitsubishi Mirage was a new and fun experience since I’ve never driven this brand. For one week I drove it through wintry weather, rain, and sunshine. I see driving as a sport more than a task so when I try out a new car I look for certain things. I like a solid [...]

]]>Driving the Mitsubishi Mirage was a new and fun experience since I’ve never driven this brand. For one week I drove it through wintry weather, rain, and sunshine.

I see driving as a sport more than a task so when I try out a new car I look for certain things. I like a solid feel, great handling, and extras.

The mirage is not exactly a sporty car, but it does have a cute sporty look. Inside was surprisingly spacious so my son’s long legs had plenty of room.

It handled well and once it got to a higher speed it felt pretty solid. During the initial acceleration it felt like it was struggling a bit. I wasn’t impressed with that, but that is because I like speed. A calmer driver may not be impatient with that part.

Inside the car were the basics. Comfortable seats, as experienced on a two hour drive to pick up my mom. Those seats were manual but there were power locks and windows.

The trunk is great and spacious enough for groceries and maybe a few more packages. Not so much for luggage. You can get more space when you fold the seats down which is really easy to do.

This car is great for moms looking to buy an around town car, a new driver, or a college student. It’s a great car to teach your teen how to drive as there is not a lot of extra car to maneuver.

The gas mileage is decent with 37 City and 40 Highway miles per gallon. Filling it up will not break the bank which is great for the budget. The annual fuel cost is about $1300. Speaking of budget, the Mirage starts at $12,000.

I test drove a slightly souped up model that had GPS and upgraded audio system. That model starts at $15,000. Not bad for a first or around town car.

]]>http://richsinglemomma.com/weblog/affordable-cars-for-single-moms-mitsubishi-mirage/feed0http://richsinglemomma.com/weblog/affordable-cars-for-single-moms-mitsubishi-mirageRich Single Momma Says… Day 3: Learn Money Masteryhttp://feedproxy.google.com/~r/richsinglemommafeed/~3/A3-HEw2XetI/rich-single-momma-says-day-3-learn-money-mastery
http://richsinglemomma.com/weblog/rich-single-momma-says-day-3-learn-money-mastery#commentsTue, 03 Feb 2015 14:09:06 +0000http://richsinglemomma.com/weblog/?p=21264This entry is part 1 of 3 in the series Rich Single Momma Says Day 3: Be a Money Master not a money mistress. The bible says we shouldn’t be a servant to money. So it stands to reason we should be the opposite, its master. Why? Because the more you learn money mastery the [...]

]]>http://richsinglemomma.com/weblog/rich-single-momma-says-day-3-learn-money-mastery/feed0http://richsinglemomma.com/weblog/rich-single-momma-says-day-3-learn-money-masteryRich Single Momma Says… Day 2 Get Your Money Mindset Righthttp://feedproxy.google.com/~r/richsinglemommafeed/~3/AuLN7-P9gTM/rich-single-momma-says-day-2-get-your-money-mindset-right
http://richsinglemomma.com/weblog/rich-single-momma-says-day-2-get-your-money-mindset-right#commentsMon, 02 Feb 2015 18:14:29 +0000http://richsinglemomma.com/weblog/?p=21255Day 2 of Rich Single Mom Says… – You have to get your money mindset right to get your money right. You can try all you want to do it another way, but it won’t work. Try honesty first then decide what you want your money story to be. Until you do that stop complaining [...]

]]>http://richsinglemomma.com/weblog/rich-single-momma-says-day-2-get-your-money-mindset-right/feed0http://richsinglemomma.com/weblog/rich-single-momma-says-day-2-get-your-money-mindset-rightRich Single Momma Says… Day 1: Ditch Poverty Mentalityhttp://feedproxy.google.com/~r/richsinglemommafeed/~3/mklaRWQ4B4M/rich-single-momma-says-day-1-ditch-poverty-mentality
http://richsinglemomma.com/weblog/rich-single-momma-says-day-1-ditch-poverty-mentality#commentsSun, 01 Feb 2015 18:16:06 +0000http://richsinglemomma.com/weblog/?p=21259This entry is part 2 of 3 in the series Rich Single Momma Says Ditch the poverty mentality like a bad habit or that annoying friend you had in high school. How is it good for you? How can it serve you, your family or the world? Get rich instead. Now that has purpose! You [...]

]]>http://richsinglemomma.com/weblog/rich-single-momma-says-day-1-ditch-poverty-mentality/feed0http://richsinglemomma.com/weblog/rich-single-momma-says-day-1-ditch-poverty-mentalityTake the Living the Life You Love Survey Get a Free Gifthttp://feedproxy.google.com/~r/richsinglemommafeed/~3/cdM4n1WPGnY/take-living-life-love-survey-get-free-gift
http://richsinglemomma.com/weblog/take-living-life-love-survey-get-free-gift#commentsThu, 22 Jan 2015 12:52:54 +0000http://richsinglemomma.com/weblog/?p=21224Would you say you are living the life you love? What would you change? Nothing? Everything? I would like to know because I am creating programs for women, but I need to know what you want. Please take a minute to complete the survey below or CLICK HERE for a distraction-free survey. For your time [...]